Components of motorcycle insurance

Ted Todd insurance has the following coverage options available for Motorcycle Insurance:

Personal Injury Protection

If you are injured or worse in a motorcycle accident, this coverage will help cover the following:

Medical and hospital expenses

Lost income

Services you would normally do yourself

Funeral expenses

Child care expenses

Note: PIP is a required coverage for any motorcycle insurance policy in the state of Florida.

Collision

Collision coverage will typically cover damage to your motorcycle that results from a collision with another object, which could include another car or motorcycle, a tree, or a building.

Comprehensive

It doesn’t always take a collision to create a loss. Comprehensive coverage typically covers your bike if it’s damaged by:

Flooding

Wind

Vandalism

Theft

Some other event that doesn’t involve a crash with another vehicle

Uninsured/Underinsured Motorist Bodily Injury

If an accident isn’t your fault, you don’t want to pay for the other driver’s mistake, especially if they don’t have enough, or even any insurance coverage. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.

Property Damage Liability

If you’re at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, storefronts, and other structures.

Bodily Injury Liability

If you’re at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.